Buying cheap auto insurance for a Ford Fusion in Florida is fairly easy, but it relies on a lot of things such as whether you are married or single, the likelihood of vehicle theft, and if you have tickets or violations. Drivers in Florida will pay around $962 each year for Fusion insurance, but that cost is a valuation calculated using a 50-year-old married male driver with full physical damage coverage and $1,000 deductibles.
Most likely you aren’t exactly 50 years old or even a male, single instead of married, or maybe you prefer to not insure for full coverage. This demonstrates why the only way to find the cheapest insurance price for your Ford is to just take the time to compare rates yourself. In just a few minutes you will be able to compare rates from top-rated car insurance companies around.
The trim level of your vehicle will likely have an effect on the cost of insurance, so the rate you pay to insure a Fusion S 4-Dr Sedan model will be $144 cheaper than the cost to insure the fancier Fusion Sport AWD 4-Dr Sedan trim level, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $156 | $290 | $400 | $24 | $120 | $990 | $83 |
| Fusion SE 4-Dr Sedan | $176 | $342 | $400 | $24 | $120 | $1,062 | $89 |
| Fusion Hybrid 4-Dr Sedan | $176 | $394 | $500 | $30 | $150 | $1,250 | $104 |
| Fusion SEL 4-Dr Sedan | $176 | $342 | $400 | $24 | $120 | $1,062 | $89 |
| Fusion Sport 4-Dr Sedan | $176 | $342 | $400 | $24 | $120 | $1,062 | $89 |
| Fusion SEL AWD 4-Dr Sedan | $196 | $394 | $400 | $24 | $120 | $1,134 | $95 |
| Fusion Sport AWD 4-Dr Sedan | $196 | $394 | $400 | $24 | $120 | $1,134 | $95 |
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Data variables include married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Estimates do not factor in zip code location which can alter premium rates significantly.
Finding the best auto insurance company can be a challenge considering how many different insurance companies sell coverage in Miami. The company ratings in the lists below could help you decide which car insurance companies you want to consider when trying to find the cheapest insurance for a Ford Fusion. These ratings are only made up of companies who write in the majority of U.S. states, so companies that may only write in Florida are not included in this list.
Top 10 Large Auto Insurance Providers in Miami Ranked by Claims Service
- Travelers
- Nationwide
- Allstate
- State Farm
- Liberty Mutual
- GEICO
- American Family
- Esurance
- Titan Insurance
- AAA Insurance
Top 10 Large Auto Insurance Providers Overall in Miami
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
Discounts on Miami insurance
Insurers that sell policies for a Ford Fusion may also give you premium discounts that could potentially reduce rates by as much as 35% if you meet specific eligibility requirements. A list of companies and some of the premium reductions they offer are detailed below.
- Farm Bureau offers premium reductions for multi-vehicle, youthful driver, driver training, 55 and retired, renewal discount, good student, and multi-policy.
- Liberty Mutual has savings for good student, multi-car, exclusive group savings, hybrid vehicle, newly married, and new graduate.
- State Farm discounts include Steer Clear safe driver discount, multiple policy, student away at school, good student, and defensive driving training.
- Auto-Owners Insurance may include discounts for anti-theft, multi-policy, paid in full, air bags, company car, and paperless.
- GEICO policyholders can earn discounts including good student, multi-vehicle, military active duty, emergency military deployment, five-year accident-free, and seat belt use.
- SAFECO may offer discounts for accident prevention training, multi-car, teen safe driver, drive less, teen safety rewards, anti-theft, and safe driver.
The chart below illustrates the comparison of premium costs with and without policy discounts. The premiums are based on a female driver, no violations or claims, Florida state minimum liability limits, full coverage, and $100 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second shows the rates with safe-driver, anti-theft, claim-free, accident-free, multiple policy, and passive restraint discounts applied. With discounts applied, theaverage yearly reduction on car insurance for a Ford Fusion is 28% or $812.
Full coverage rates compared to liability-only
Paying a lower price for car insurance is the goal of most people, and a good way to buy cheaper insurance for a Ford Fusion is to only pay for liability coverage. The information below visualizes the comparison of yearly insurance costs when comparing full coverage to liability only. The premiums assume no accidents or driving violations, $500 deductibles, drivers are not married, and no discounts are applied to the premium.
If we average the cost for all age groups, physical damage coverage on your policy costs $2,694 per year more than insuring for liability only. At some point, almost every driver questions when is the right time to remove full coverage. There is no set guideline that works best for making the decision to drop physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of having full coverage is 10% or more of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.
There are some cases where dropping full coverage is not advised. If you still owe money on your vehicle, you have to maintain full coverage to protect the lienholder’s interest. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should not eliminate full coverage.
The professional agents shown below can most likely help you determine which is the best policy, as some people have coverage questions and would like to have some advice when comparing insurance rates for a Fusion. It can be hard to find the cheapest rates, and getting advice from a licensed Florida insurance agent can give peace of mind knowing your coverage gives you suitable coverage if you ever need to use it.
To locate a Miami auto insurance agent in your neighborhood, click the button following the list.
- Clark Alvarado – State Farm Insurance Agent
5209 NW 36th St – Miami Springs, FL 33166 – (305) 887-9543 - Insurecentro (Insurance Agency)
1701 W Flagler St #220 – Miami, FL 33135 – (305) 302-2236 - Estrella Insurance #110
1201 SW 8th St – Miami, FL 33135 – (305) 859-8558 - State Farm: Carlos Luis
6001 Bird Rd – Miami, FL 33155 – (305) 663-2300 - Miami International Insurance Agency
2200 SW 16th St, Suite 212 – Miami, FL 33145 – (305) 856-3333
Find a Miami, FL insurance agent near you
How to find more affordable insurance for a Ford Fusion
Lowering your rates is not difficult, and here are some of the better money-saving ideas that can help you buy cheaper coverage.
- Do not get tickets or violations
- Do not insure for full coverage
- Drive vehicles with five-star safety ratings
- Having too many claims will increase rates substantially
- Drive attentively and avoid accidents
- Buy your homeowners policy from the same company as your auto insurance
- Comparison shop at least every other year
The last tip in the list is very crucial, as was stressed in the prior article. Car insurance prices can be changed at any time, so don’t be unwilling to change insurance companies if a more affordable price is available. Having brand loyalty is commendable, but it’s not recommended if that dedication is costing a lot of money. In less than five minutes you could shop around to find cheaper auto insurance for a Ford Fusion in Miami.